SouthPoint Bank
Birmingham, AL
IDRSSD: 3386536
Total Assets
$1.60B
Latest filing
Total Deposits
$1.45B
Latest filing
Net Interest Margin
3.50%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
SouthPoint Bank
3501 Grandview Pkwy
Birmingham, AL 35243
Full Service - Brick and Mortar
Updated 11/14/2025Established 10/11/2005FDIC Certificate 439443
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| SouthPoint Bank (Main) | 3501 Grandview Pkwy | Birmingham, AL |
| HIGHWAY 157 BRANCH | 4855 Al Highway 157 | Cullman, AL |
| FAIRVIEW BRANCH | 44 Butler St | Cullman, AL |
| MERCHANTS BANK AL MO BRANCH | 900 2nd Ave Sw | Cullman, AL |
| HANCEVILLE BRANCH | 906 Main St Ne | Hanceville, AL |
| TRUSSVILLE BRANCH | 7278 Gadsden Hwy | Trussville, AL |
| ARAB BRANCH | 1096 N Brindlee Mountain Pkwy | Arab, AL |
| GARDENDALE BRANCH | 1101 Main St | Gardendale, AL |
Showing 7 of 10
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/11/2005 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35243 |
| State and County Number | 01073 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Birmingham-Hoover, AL |
Operational Info
| Number of Employees | 140 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 10/11/2005 |
| Primary Insurance Agency | DIF |
| Website | http://www.southpoint.bank |
| Data Updated | 11/14/2025 |
| CERT | 58088 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.60B |
| Total Deposits | $1.45B |
| Total Liabilities | $1.46B |
| Total Equity Capital | $132.98M |
| Net Income | $2.20M |
| Net Loans and Leases | $1.31B |
| Assets Per Employee ($Millions) | $11.91M |
| Bank Premises and Fixed Assets | $25.49M |
| Cash and Balances due from Depository Institutions | $140.03M |
| Deposits Held in Domestic Offices | $1.45B |
Key Performance Ratios
| Return on Assets (ROA) | 0.54% |
| Return on Equity (ROE) | 6.71% |
| Net Interest Margin | 3.5% |
| Efficiency Ratio | 56.28% |
| Tier 1 Risk-Based Capital Ratio | 9.613% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.97% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.33% |
| Earning Assets to total Assets | 93.08% |
Income and Expense
| Total Interest Income | $26.06M |
| Total Noninterest Income | $2.12M |
| Total Interest Expense | $12.70M |
| Total Noninterest Expense | $8.71M |
| Net Interest Income | $13.36M |
| Pre-tax Net Operating Income | $2.82M |
| Provision for Credit Losses | $3.95M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $81.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $10.00M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $10.14M |
| Total Liabilities and Capital | $1.60B |
Securities
| Securities | $58.09M |
| Available-for-sale debt securities | $58.09M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of SouthPoint Bank?
$1.60B as of the latest filing.
How much are SouthPoint Bank's total deposits?
$1.45B in total deposits.
Where is SouthPoint Bank located?
Birmingham, AL.
What is the Net Interest Margin?
3.50%.
How many domestic offices does it operate?
11.
When was it established?
10/11/2005.
What is the Return on Assets (ROA)?
0.54%.
How much are total loans and leases?
$1.31B (latest filing).
What is the total interest income (latest filing)?
$26.06M.